Interest Rate

Effective from Mangsir, 2079

Saving Deposit	Interest Rate (% p.a)	Min. Balance		Interest Payment
Sanima Super Remittance Saving Account	10.133%	0		Monthly
Sanima Super Savings Khata	9.133%	50,000/-		Monthly
Sanima Family Super Savings Account	9.133%	25,000/-		Monthly
Sanima Platinum Payroll Savings Account	9.133%	-		Monthly
Sanima Dirghayu Bachat Khata	7.630%	10,000/-		Monthly
Sanima Dirghayu Talab Khata	7.630%	0		Monthly
Sanima Mero Bachat Khata	7.630%	0		Monthly
Special Salary Account	7.630%	0		Monthly
Generation Sanima Savings Account	7.133%	0		Monthly
Senior Citizen Home Banking	7.133%	0		Monthly
Senior Citizen Saving Account	7.133%	0		Monthly
Nari Bachat Khata	7.133%	0		Monthly
NRN Saving Account	7.133%	0		Monthly
Sanima Sahaj Bachat Khata	7.630%	5,000/-		Monthly
Sulav Account	7.133%	0		Monthly
Shareholders Saving Account	7.133%	0		Monthly
Muna Bachat	7.133%	0		Monthly
Remittance Account	7.133%	0		Monthly
Sanima PF Saving Account	7.133%	0		Monthly
Sanima Nagarik Bachat Khata	7.133%	0		Monthly
Samajik Surakshya Bachat Khata	7.133%	0		Monthly
Other Savings Account	7.133%	0		Monthly
Sanima FCY Saving Accounts
USD Saving Account	5.75%	USD 10.00		Monthly
GBP Saving Account	4.75%	GBP 5.00		Monthly
EUR Saving Account	4.00%	EUR 5.00		Monthly
AUD Saving Account	5.10%	AUD 5.00		Monthly
JPY Saving Account	2.40%	JPY 1000		Monthly
CNY Saving Account	6.15%	CNY 100		Monthly
Call Deposit(LCY)	Up to 3.566%	-
Remarks: Interest rate in existing Call Accounts opened under specific contractual agreement shall continue till the contract period.
Sanima FCY Call Account
USD Call Account	2.875%	USD 10.00
GBP Call Account	2.375%	GBP 5.00
EUR Call Account	2.000%	EUR 5.00
AUD Call Account	2.550%	AUD 5.00
JPY Call Account	1.200%	JPY 1000
CNY Call Account	3.075%	CNY 100
Fixed Deposit
Time Period	Interest Rate (% p.a)		Minimum Balance (NPR)
For Individual
3 Months and Above	12.133%	For Rural Branches	10,000/-
3 Months and Above	12.133%	For Outside Valley Branches	50,000/-
3 Months and Above	12.133%	For Inside Valley Branches	100,000/-
3 Months and Above(Remittance)	13.51%	For Rural Branches	10,000/-
3 Months and Above(Remittance)	13.51%	For Outside Valley Branches	50,000/-
3 Months and Above(Remittance)	13.51%	For Inside Valley Branches	100,000/-
For Institution			Interest Payment
3 Months and Above(Non Bidding)	10.133%		Monthly
3 Months and Above(Bidding)	10.633%		Daily/Monthly/Quarterly
Sanima Dhamaka Fixed Deposit-Individual
Sanima Double Dhamaka	Fixed deposit to be doubled in 5.75 Years (Approximate)		500,000/-
Sanima Tin Guna Dhamaka	Fixed deposit to be tripled in 9.11 Years (Approximate)		500,000/-
Sanima Char Guna Dhamaka	Fixed deposit to be four times in 11.49 Years (Approximate)		500,000/-

Sanima Remittance Dhamaka Fixed Deposit-Individual
Sanima Double Remittance Dhamaka	Fixed deposit to be doubled in 5.17 Years (Approximate)		500,000/-
Sanima Tin Guna Remittance Dhamaka	Fixed deposit to be tripled in 8.18 Years (Approximate)		500,000/-
Sanima Char Guna Remittance Dhamaka	Fixed deposit to be four times in 10.32 Years (Approximate)		500,000/-
Sanima Super Remittance Recurring Deposit
1 Year to 5 Years	13.51%		1,000/-
Sanima Recurring Deposit, Individual
1 Year to 5 Years	12.133%		10,000/-
FCY Fixed Deposit (For Individual/Institutional) (For 3 Months and Above)
USD	7.25%		USD 1,000.00
GBP	6.25%		GBP 1,000.00
EUR	5.50%		EUR 1,000.00
AUD	6.60%		AUD 1,000.00
JPY	3.90%		JPY 1,000.00
CNY	7.65%		CNY 100.00
Interest rates for FCY Fixed Deposit to NRN and against remittance: 1% on top of above rates. Minimum Balance: USD 1000 or equivalent
Loans and Advances
Types of Loan
A. Corporate	Premium (% p.a. ) on Base Rate
Working Capital/Short Term Loan	up to 6.00
Import Loan/Trust Receipt Loan	up to 6.00
Overdraft	up to 6.00
Export Loan/Packaging Credit	up to 6.00
Term Loan/Bridge Gap Loan	up to 6.00
Term Loan-Hire Purchase	up to 6.00
B. Business Banking	Premium (% p.a.) on Base Rate
Overdraft/Working Capital/Short Term Loan	up to 6.00
Import Loan/Trust Receipt Loan	up to 6.00
Export Loan/Packaging Credit	up to 6.00
Term Loan	up to 6.00
C. Microfinance/ Deprived Sector	Premium (% p.a.) on Base Rate
Wholesale Loan/ Credit	up to 6.00
Other Retail Loan	up to 6.00
D. Retail/ Consumer Banking	Premium (% p.a.) on Base Rate
Home Loan	up to 6.00
Home Equity Loan	up to 6.00
Private vehicle/Auto Loan	up to 6.00
Commercial vehicle Loan-Others	up to 6.00
Commercial vehicle Loan-Taxi Financing	up to 6.00
Personal Overdraft/Personal Loan	up to 6.00
Education Loan	up to 6.00
Sanima Professional Loan	up to 6.00
Small Business Growth Loan (SBGL)	up to 6.00
SBGL-Auto Loan for Private Use	up to 6.00
Auto Loan-Subvention Scheme	As per Subvention Scheme Agreement
E. Project Financing	Premium (% p.a.) on Base Rate
Term Loan	up to 6.00
Working Capital Loan	up to 6.00
Bridge Gap Loan	up to 6.00
Trust Receipt Loan	up to 6.00
F. Other Lending	Premium (% p.a.) on Base Rate
Loan Against Shares	up to 6.00
Loan Against FDR	Rate of interest shall be coupon rate or base rate whichever is higher, plus 0-3% risk premium
Loan Against 1st class Bank Guarantee	up to 6.00
Loan Against Other Bank Guarantee	up to 6.00
Loan Against Government Securities	up to 6.00
Gold Loan	up to 6.00
Structured Loan	up to 6.00
G. Consortium Loan	As per Consortium meetings
H. Others Loan	up to 6.00
I. Loan Against Salary Account	up to 6.00
J. Loan Against Credit Card	2 % p.m. (24% p.a. Fixed rate)
K. FCY Loan	up to 6.00
L. Fixed Rate For all Term Loan (%P.A.)
up to 13 Months	13 Months to 24 Months	24 Months to 36 Months	Above 36 Months
up to 14%	up to 14.50%	up to 15.00%	up to 15.50%
Note: Penal Interest	2% P.A

year	month
Year	Month	Base Rates
2079	Kartik	10.63%
2079	Ashoj	10.50%
2079	Bhadra	10.04%
2079	Shrawan	9.57%
2079	Ashar	9.71%
2079	Jestha	9.24%
2079	Baisakh	9.24%
2078	Chaitra	9.00%
2078	Falgun	8.75%
2078	Magh	8.30%
2078	Poush	8.08%
2078	Mangsir	8.01%
2078	Kartik	7.39%
2078	Ashoj	7.45%
2078	Bhadra	6.53%
2078	Shrawan	6.14%
2078	Ashar	6.34%
2078	Jestha	5.89%
2078	Baisakh	6.54%
2077	Chaitra	6.23%
2077	Falgun	6.25%
2077	Magh	6.48%
2077	Poush	6.83%
2077	Mangsir	6.90%
2077	Kartik	7.43 %
2077	Ashoj	7.73%
2077	Bhadra	7.87%
2077	Shrawan	8.07%
2077	Ashad	8.62%
2077	Jestha	8.52%
2077	Baisakh	8.58%
2076	Chaitra	9.25%
2076	Falgun	9.30%
2076	Magh	9.43%
2076	Poush	9.29%
2076	Mangsir	9.16%
2076	Kartik	9.22%
2076	Ashoj	9.21%
2076	Bhadra	9.21%
2076	Shrawan	9.34%
2076	Ashar	9.45%
2076	Jestha	9.29 %
2076	Baisakh	9.38 %
2075	Chaitra	9.31%
2075	Falgun	9.54 %
2075	Magh	10.43% (As per previous NRB calculation) 9.68% (As per new NRB Circular)
2075	Poush	10.50% (As per previous NRB Directives) 9.75% (As per new NRB Circular)
2075	Mangsir	10.51%
2075	Kartik	10.35%
2075	Ashoj	10.55%
2075	Bhadra	10.24%
2075	Shrawan	10.10%
2075	Ashar	10.66%
2075	Jestha	10.68%
2075	Baisakh	10.63%
2074	Chaitra	10.63%
2074	Falgun	10.34%
2074	Magh	10.16%
2074	Poush	9.71%
2074	Mangsir	9.53%
2074	Kartik	10.09%
2074	Ashoj	10.27%
2074	Bhadra	10.33%
2074	Shrawan	10.19%
2074	Ashar	10.20%
2074	Jestha	10.14%
2074	Baisakh	9.67%

year	month
Year	Month	Int. Spread (as per NRB Directive)
2079	Kartik	4.00%
2079	Ashoj	3.91%
2079	Bhadra	4.17%
2079	Shrawan	4.08%
2079	Ashar	3.86%
2079	Jestha	3.65%
2079	Baisakh	3.45%
2078	Chaitra	3.20%
2078	Falgun	3.03%
2078	Magh	3.04%
2078	Poush	2.91%
2078	Mangsir	2.63%
2078	Kartik	2.93%
2078	Ashoj	2.69%
2078	Bhadra	3.49%
2078	Shrawan	3.63%
2078	Ashar	3.73%
2078	Jestha	3.82%
2078	Baisakh	3.42%
2077	Chaitra	4.07%
2077	Falgun	3.96%
2077	Magh	4.16%
2077	Poush	4.21%
2077	Mangsir	4.14%
2077	Kartik	3.83%
2077	Ashoj	3.61%
2077	Bhadra	4.39%
2077	Shrawan	4.39%
2077	Ashad	3.47%
2077	Jestha	3.87%
2077	Baisakh	3.73%
2076	Chaitra	5.08%
2076	Falgun	5.14%
2076	Magh	4.94%
2076	Poush	5.04%
2076	Mangsir	5.25%
2076	Kartik	5.23%
2076	Ashoj	5.39%
2076	Bhadra	5.30%
2076	Shrawan	4.18%
2076	Ashar	4.35%
2076	Jestha	4.56 %
2076	Baisakh	4.72 %